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				<title>Klarna: BNPL Giant — Payment Service Review with Affiliate Program</title>
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				<pubDate>Fri, 24 Jul 2026 00:00:00 +0000</pubDate>
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				<description>&lt;h2 id=&#34;what-is-klarna&#34;&gt;What Is Klarna&lt;/h2&gt;&#xA;&lt;p&gt;Klarna is a Swedish fintech giant that made &amp;ldquo;buy now, pay later&amp;rdquo; (BNPL) mainstream. Founded in 2005 by Sebastian Siemiatkowski, by 2026 it serves 150+ million users in 45 countries and processes transactions for 500,000+ merchants.&lt;/p&gt;&#xA;&lt;p&gt;Unlike traditional credit cards, Klarna offers buyers three interest-free payment options: pay immediately, split into 4 installments, or pay in 30 days. The merchant gets paid immediately — Klarna takes on the risk.&lt;/p&gt;</description>
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